Mum had a crash...
- Thread starter MisChief
- Start date
i know its not fair but the world is not a fair place. there are people out there claiming silly amounts of money for minor bumps. ive been in one serious accident in the past, my shoulders ached for 2 days, and that involved crashing in a ditch, sideways, at 50-odd-mph, without a seatbelt.
there is a system in place to be abused, like the benefits system for example. you may as well use it whilst it is still in place, because there are a lot of scummy people out there who practically make a living out of it.
use it
there is a system in place to be abused, like the benefits system for example. you may as well use it whilst it is still in place, because there are a lot of scummy people out there who practically make a living out of it.
use it
I think your mum should ring the insurance asap. She is a named driver on the policy so its not like a complete stranger ringing up.
Also, get her checked out at the doctors today if you can.
As for claiming compensation, I'd avoid it unless I was actually injured and lost out on work etc. But thats just me.
Hope you get it all sorted out.
Also, get her checked out at the doctors today if you can.
As for claiming compensation, I'd avoid it unless I was actually injured and lost out on work etc. But thats just me.
Hope you get it all sorted out.
Thanks for the replies everyone!
I went with my mum to the brokers where she got her insurance from and the guy helped us fill out a claim form. He said the information will be passed on to another company which they use to deal with claims and that someone will call me back soon to arrange a hire car.
As to the neckaches she had yesterday, she said thats gone but is now experiencing slight chest pains.. We'll leave it for now but if she experiences any more pains later on, i'll take her to see a doctor.
On average, how long does it usually take to successfully make a claim and get everything sorted?
I went with my mum to the brokers where she got her insurance from and the guy helped us fill out a claim form. He said the information will be passed on to another company which they use to deal with claims and that someone will call me back soon to arrange a hire car.
As to the neckaches she had yesterday, she said thats gone but is now experiencing slight chest pains.. We'll leave it for now but if she experiences any more pains later on, i'll take her to see a doctor.
On average, how long does it usually take to successfully make a claim and get everything sorted?
Just in case you missed the most useful bit of advice in this thread so far....[TW]Fox said:
helphire.co.uk
They were fantastic when I had to claim off of someone else. As long as you have the details of the other party and they deem you not to be at help, they'll sort everything for you, right down to a like for like replacement car etc.
Notify your actual insurers of the accident, but tell them you do not wish them to persue it, then get straight on the phone to helphire.
Soldato
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It shouldn't take too long, but it really depends on the claims department of the insurance company.MisChief said:
I'd still go to the doctors whether you plan on claiming or not. Neck and chest pains sound pretty bad. And if it does turn out to be serious and she has to take time off work or something then surely she would deserve to be compensated for the loss of earnings?
4 months later...
Insurance company pays out £1200 for my mums M reg Civic, mum is still having regular physio therapy sessions and i'm still helping her deal with the personal injury claim...
....and then last week, we receive a letter from our insurance company telling us that the car in front felt two impacts. Both parties in front and behind are now turning things around and trying to say that my mum crashed into the car in front *first* before the car behind even hit my mum which pushed my mum into the car in front 'again'...
1) my mum was stationary when the woman behind crashed into her and was within a reasonable distance to the car in front
2) the woman behind said the sun was too low so she couldnt see my mums car to stop in time, so how could she be so sure that she saw my mum crash into the car in front first??
At the time of the accident, both cars in front and behind didn't mention a word about my mum crashing into the car in front first when they got out to swap insurance details.. What are they trying to do now??
I've written a letter to the insurance company explaining everything, but haven't sent it yet as i'd like to know what you guys think about the situation first.. whats the best way to go about it?
Insurance company pays out £1200 for my mums M reg Civic, mum is still having regular physio therapy sessions and i'm still helping her deal with the personal injury claim...
....and then last week, we receive a letter from our insurance company telling us that the car in front felt two impacts. Both parties in front and behind are now turning things around and trying to say that my mum crashed into the car in front *first* before the car behind even hit my mum which pushed my mum into the car in front 'again'...
1) my mum was stationary when the woman behind crashed into her and was within a reasonable distance to the car in front
2) the woman behind said the sun was too low so she couldnt see my mums car to stop in time, so how could she be so sure that she saw my mum crash into the car in front first??
At the time of the accident, both cars in front and behind didn't mention a word about my mum crashing into the car in front first when they got out to swap insurance details.. What are they trying to do now??
I've written a letter to the insurance company explaining everything, but haven't sent it yet as i'd like to know what you guys think about the situation first.. whats the best way to go about it?
Soldato
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show us the letter?
Oh FFS! I cant believe some of the complete idiots this forum board has!
Firstly, sorry to hear about the accident, I hope your mother is OK but she should get checked out regardless of her age.
Whiplash is a psuedo made up to suit a compensation culture rapildy expanding in the UK, but equally getting stamped on by insurance companies so be careful. You will NOT feel whiplash immidiately after an accident unless you got shoved at ridiculous speed by something very large and heavy in which case you wont remember about it!
Whiplash (an exagerated form of muscle strain) will not present itself for days if not weeks after the accident and is actually caused by uninjured muscles over compensating for any injured ones. It will heal provided you rest and, if needed, receive treatment (for which you are elgible to claim).
The person who hit your mother is to fault regardless of how close she was to the person in front, and as has been said, the person she hit claims from your mum, your mum claims from the person who hit her.
As Fox said ( I think), contact that Help line thingy. They are very good in sorting things out.
Firstly, sorry to hear about the accident, I hope your mother is OK but she should get checked out regardless of her age.
Whiplash is a psuedo made up to suit a compensation culture rapildy expanding in the UK, but equally getting stamped on by insurance companies so be careful. You will NOT feel whiplash immidiately after an accident unless you got shoved at ridiculous speed by something very large and heavy in which case you wont remember about it!
Whiplash (an exagerated form of muscle strain) will not present itself for days if not weeks after the accident and is actually caused by uninjured muscles over compensating for any injured ones. It will heal provided you rest and, if needed, receive treatment (for which you are elgible to claim).
The person who hit your mother is to fault regardless of how close she was to the person in front, and as has been said, the person she hit claims from your mum, your mum claims from the person who hit her.
As Fox said ( I think), contact that Help line thingy. They are very good in sorting things out.
They are trying to pin blame on your mother for all the costs. Was there another car in front of your mothers that got hit?
They don't happen to know each other do they?
Secondly, why is she wasting her time with Physio, a chiropractor is the probably far more qualified to deal with whiplash than a physio is.
They don't happen to know each other do they?
Secondly, why is she wasting her time with Physio, a chiropractor is the probably far more qualified to deal with whiplash than a physio is.
Soldato
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And which insurance company do you work for?Oxbow said:
Whiplash has been proven and studied throughly by the QTF and Folksam. Suggesting that it is uk bound is taking the **** as the empirical evidence comes from non uk countries. Also you can't suggest that a big hit would be needed, because you cannot account for individual differences.
Phnom_Penh said:
Lol, I don't but having studied soft tissue work and rehab for the past 3 years and studied papers by leading medical governing bodes, BCA, BMA, ACA, etc they have all reported medical evidence to say that whiplash is just a terminology for muscle strain. The second link you posted to confirms that! It is incredilby rare for it to present immediately and most studies show that if it does, it has been as a result of a direct, high speed, high momentum impact. Not from a tap on the rear that probably didn't even crack the bumper!
Also, since when did any research done in Quebec constitute accuracy??
EDIT: you also took my post out of context. I meant that the UK had a rapidly increasing compensation culture and that 'Whiplash' was contributing to this, I did not say that whiplash was a UK bound terminology to suit.
Soldato
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I don't want your life story, but if you look at the thread, his mum's car got written off, now that usually takes more than a tap on the bumperOxbow said:it has been as a result of a direct, high speed, high momentum impact. Not from a tap on the rear that probably didn't even crack the bumper!
Also, since when did any research done in Quebec constitute accuracy??
EDIT: you also took my post out of context. I meant that the UK had a rapidly increasing compensation culture and that 'Whiplash' was contributing to this, I did not say that whiplash was a UK bound terminology to suit.
.Never had a problem with their other stuff, you know it's in Canada right?
Oxbow said:
wow, from an outragously abusive start to your post, you then go over things that were explained 4 months ago.
Helphire will do what now? The insurance has paid out for the accident, she can now get another car.
Yes whiplash is known to come on later, but if his mother saw the car approaching then she would have braced for impact, the fact her neck muscles would have been tense, then her whole body moved very quickly with force, will cause some immediate strain (possibly).
the OP is aware of the claims process, who claims off who, afterall, the claim is now 'settled'.
Read the post by the OP concerning things, it starts '4 months later...' which means that things have happened since. of which, one of the 2 other cars involved are changing their story.